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| Loans to $417,000 with Average to Excellent Credit (Purchase or Refinance) |
| Jumbo Loans over $417,000 |
| TEACHER loan - School administrator loan |
| Fire Fighter / EMT home loan |
| Nurse - Health Care Professional Loan |
| FHA / VA |
| Challenging Credit Products |
| Investment Property Products |
| No Income Verified Products |
| 2nd Mortgages & Lines of Credit |
| Reverse Mortgages |
| Commercial Properties |
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Loans to $417,000 with Average to Excellent Credit (Purchase or Refinance)
NEW 100% financing available! Seller can pay all closing costs- WHY RENT? You can move in with ZERO MONEY DOWN!!
Avoid PMI! - 80% 1st mortgage, 10-20% second mortgage.
Adjustable rate mortgages available.
Term: 30 years
Maximum Amount: $417,000
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Jumbo Loans over $417,000
Jumbo products are our specialty! Fixed and adjustable rates available.
Creative financing to avoid PMI or to reduce 1st mortgage below $417,000 to qualify as a conforming loan.
Interest only programs available along with creative financing options to severally reduce payment so that funds can be used with other financial tools. Ask your loan officer for details!
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TEACHER loan - School administrator loan
One of the borrowers must be a teacher or school administrator in a public or private school. Even if you don't have a high salary or big bank account, we can help you turn your dream of home ownership into a reality. You can have less than perfect credit to use this program. You can receive 100% financing on your purchase or refinance and get the same rate as if you had put 20% down. 100% of the closing costs can come from a gift or other source including our down payment assistance program. Call us for additional details.
Term: 30 years
Maximum Amount: $417,000
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Fire Fighter / EMT home loan
Now Fire Fighters / EMT’s can buy a home with no money down.
Even if you don’t have a high salary or a big bank account, we can help you turn your dream of home ownership into a reality. If you have good credit, our Fire Fighter 100% Home Loan allows you to finance 100% of the value of a home and receive the same low interest rate as those buyers who put money down!
If you have less than perfect credit or no credit at all, our Fire Fighter 97% Home Loan may be for you. This program allows for a low down payment of 3%. Both programs are ideal loans to help Fire Fighters / EMT’s and administrators overcome the high cost of home ownership.
Term: 30 years
Maximum Amount: $417,000
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| We created the Fire Fighter Loan Programs after the attacks on September 11th. 343 Fire Fighters and 6 EMS personnel lost their lives in the attacks. This is our way to thank the men and women who put their lives on the line for us each day. For that, WE THANK YOU! |
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Nurse - Health Care Professional Loan
Like our Teacher Loan and Firefighter Loan, this program offers special rates and options to individuals in the Health Care Profession. This includes but is not limited to: RN's, doctors, physicians, pharmacists, support staff, travel nurses, lab technicians, mental health nurses, etc
Term: 30 years
Maximum Amount: $417,000
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| Call for additional information. |
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FHA / VA
Available for home buyers with less than perfect credit.
3% down - this can come from your own funds, in the form of a gift, or use our down payment assistance program.
VA - veterans can purchase a home with $0 down and no private mortgage insurance (PMI)
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Challenging Credit Products
Non-prime loans available for ALL types of credit situations!
Bankruptcy/ Foreclosure OK
Mortgage rating only products - good for poor consumer credit but mortgage always paid on time!
Fixed rate and Adjustable rates available along with interest only and 40 year terms!
Term: 30 years
Maximum Amount: $750,000
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Investment Property Products
With all the foreclosures in the market, now is the time to be purchasing investment properties! 90% Investor Purchase. Full income documentation as well as stated income. Fixed and adjustable rates available. Products with NO PMI.
Term: 30 years
Maximum Amount: $417,000
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No Income Verified Products
Unable to verify your income? With the changes in the mortgage market in 2007, there are still loans available to you! Fixed and adjustable rates, with interest only options! Self employeed as well as W2 wage earners. No job/No income/No assets or a combination are OK with higher credit scores and 10-20% down payment. Ask your loan officer for details!
Term: 30 years
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2nd Mortgages & Lines of Credit
2nd Mortgages are available as fixed loans or lines of credit. They are also available with full income documentation or in many situations with no income verification. Best of all - THEY HAVE NO CLOSING COSTS!
Term: 15 years
Maximum Amount: $100,000
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Reverse Mortgages
Great for elderly borrowers wanting to stay in their home and use the equity they have accumulated! Borrowers retain full ownership of their home!
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Commercial Properties
We have financing available for apartment homes, commercial buildings, golf courses and for almost any other non-residential property.
Competitive rates and great programs!
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $500,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.
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